Frequently Asked Questions
What is a payment processor?
A payment processor handles transactions between your business, your customer’s bank, and your merchant account. It ensures payments are securely authorised and completed.
What types of businesses can use Total Payments?
Total Payments supports a wide range of UK businesses including retail, hospitality, eCommerce, trades, and service-based companies.
How long does it take to get set up?
Most businesses can be set up within a few days, depending on application approval and account verification.
What fees are involved in card payment processing?
Fees typically include transaction fees, terminal costs, and sometimes monthly service charges. Total Payments offers competitive rates tailored to your business.
Can I accept payments online and in person?
Yes, Total Payments offers solutions for both in-person card payments and online transactions.
How quickly do I receive my funds?
Funds are usually settled into your bank account within 1–3 working days, depending on your agreement.
Do I need a merchant account?
Yes, a merchant account is required to accept card payments. Total Payments helps set this up as part of the onboarding process.
Are contracts flexible?
Contract terms vary, but Total Payments aims to offer flexible agreements that suit your business needs.
Is payment processing secure?
Yes, all transactions are protected using industry-standard encryption and security protocols to ensure safe payments.
Can I switch from my current provider?
Yes, switching is simple. Total Payments can guide you through the process and help minimise disruption.
Do you offer support if something goes wrong?
Yes, ongoing customer support is available to help resolve any issues quickly.
What payment methods can I accept?
You can accept major debit and credit cards, contactless payments, and mobile wallets.
Will this work for small businesses?
Absolutely. Total Payments specialises in solutions tailored for small and growing businesses.
Are there hidden fees?
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Can I customise my payment solution?
Yes, solutions are tailored based on your business type, volume, and requirements.
